Arthritis is a common condition, especially amongst older adults. According to the NHS, more than 10 million people in the UK have arthritis or similar conditions that affect the joints.
But what impact can it have on life insurance? We'll explain how it could affect your options for cover and what else you need to know before you apply.
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Can I get life insurance with arthritis?
Having arthritis won't prevent you from getting life insurance. However, the type and severity of your arthritis may affect aspects such as your premiums and the amount of cover you can get.
There are two main types of arthritis:
Osteoarthritis
This is the most common form of arthritis, often age-related and caused by wear and tear on the joints. It occurs when the protective cartilage that cushions the ends of your bones gradually wears down over time.
Osteoarthritis most commonly affects joints in the knees, hips, hands, and spine. It's typically considered low to moderate risk by insurers, especially if well-managed.
Rheumatoid arthritis
This occurs when the body’s immune system attacks its own joints, causing swelling, pain, and joint damage. It often affects joints on both sides of the body (like both hands or both knees) and can also impact other parts of the body, such as the heart or lungs.
Some insurers may see it as a higher risk, especially if symptoms are severe. You might pay higher premiums or be asked for extra medical info. But if your RA is under control, you can still qualify for affordable cover.
Even if your condition is severe, you can still get life insurance with no medical, though your premiums may be more expensive.
Why do you need life insurance?
Life insurance acts as a financial safety net, helping your family stay afloat if you're no longer around. You can tailor your policy to suit your needs and budget, whether it’s a fixed payout, decreasing term (to cover a mortgage), or whole-of-life cover.
It’s not just about having a policy, it’s about having the right one.
If you're not sure where to start, ask yourself:
Do you have children, a partner, or someone who depends on you financially?
Would your family struggle without your income?
Do you have a mortgage – and how much is left to pay?
Are there any outstanding debts or loans in your name?
Do you have any ongoing finance agreements? (e.g. car payments)
Would your family have enough savings to cover bills, funeral costs, or everyday expenses?
How does getting life insurance with arthritis work?
When you apply for life insurance, you'll be asked if you have any pre-existing conditions to disclose, which includes arthritis. Your insurer may also ask for details regarding your condition, such as:
How long have you had arthritis?
What type of arthritis do you have?
What are your symptoms?
What treatment and medication are you receiving?
How frequently do you experience flare-ups?
Are there any complications related to your condition?
Have you been in hospital or had surgeries related to arthritis?
In many cases, if your arthritis is well-managed and doesn’t limit your daily activities, the premiums could be affordable.
However, more severe forms, like having advanced rheumatoid arthritis with mobility issues, could mean higher premiums or limited policy options.
Do I need to disclose my arthritis to my insurer?
It might be tempting not to mention your arthritis to try and get cheaper cover, but this can backfire. If you leave out important information, your insurer could refuse to pay out in the future or cancel your policy altogether.
If your death is related to your arthritis, your insurer could deny a claim made on your policy. In which case, your loved ones would be left without support. The same applies to any other pre-existing conditions or lifestyle habits, such as smoking.
Can I get critical illness cover if I have arthritis?
Critical illness cover is designed to pay out a cash lump sum if you're diagnosed with a serious medical condition such as a heart attack, stroke, or cancer. It won’t cover arthritis on its own, as arthritis isn’t usually classed as a critical illness. However, it may cover complications that arise because of your arthritis.
For example, if your arthritis leads to permanent disability, loss of mobility, or if it contributes to a stroke or another covered condition, a claim might be considered.
Like with life insurance, your insurer will want to know more about your condition and medical history.
If you have arthritis at the time of application, please be aware that it may lead to exclusions on a critical illness policy. Because of that, it's usually best to speak to a whole of market adviser who can find you the most comprehensive options.
You can speak to a member of our whole of market team on
01392 436193
(Monday to Thursday 9am – 5.30pm, Friday 9am – 5pm)
Can I get income protection if I have arthritis?
Income protection is designed to pay you a regular income if you're unable to work due to illness or injury. If you have arthritis, you may still be able to get cover, but the insurer will want to understand how your condition affects your ability to work. If your arthritis is severe and prevents you from working, you may be able to make a claim.
Please be aware that if you have arthritis at the time of application, exclusions may apply to your policy. These will be outlined in your documents so that you can be sure about what exactly you are covered for. Since this policy can be more complex than life insurance, it's best to speak to a whole of market insurance adviser or financial adviser to help ensure you have a policy suited to your circumstances.
You can speak to a member of our whole of market team on
01392 436193
(Monday to Thursday 9am – 5.30pm, Friday 9am – 5pm)
Key Takeaways:
You can likely get life insurance if you have arthritis, especially if it’s well-managed.
Osteoarthritis is typically seen as lower risk than rheumatoid arthritis.
Always be honest about your medical history – it could affect future claims.
Critical illness cover won’t usually provide a payout for arthritis, but complications may be covered.
Income protection may still be available, though arthritis-related claims could be excluded depending on severity.
If you're unsure of which type of cover you need, Cavendish Online is here to help. Our expert advisers can provide tailored guidance on which cover may be best for your circumstances.
01329 436193
(Monday to Thursday 9am – 5.30pm, Friday 9am – 5pm)
